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Hello and welcome to the ‘What's The Story? Hash Brown Glory' podcast, with your hosts, Tom Bower and Lee Harding.The podcast tour continues as our beloved deli is being rebuilt! This time, we're at the fabulous Bom Bom Patisserie in Loughborough, joined by Marta!Bom Bom has gone from strength since it began many moons ago, now famous for its delectable cookies, they've grown, expanded and are ready to take on the world! In this episode, we speak with Marta about the humble beginnings of the business, problems they've had to overcome and how they're continuing to expand and develop into new things.They're approach to food and hospitality is awesome, no detail left unnoticed, no customer left unsatisfied...It was great hearing their story.You can find Bom Bom here:https://bombompatisserie.com/?srsltid=AfmBOopMzUYhT4qOPbmfHmdQSWusuR-ENUmQ9ps6Q0YGZXH1MrInrKd2You can find us here:https://rustickitchendeli.comAs ever, make sure you're subscribed to the pod and thanks for listening!
Neste episódio de número 77, os raiúcas Bruno Porto , Pedro Brandt, Marcão Maciel e Ciro Marcondes analisam leituras recentemente degustadas em mais um Resenhão Geral: "Aula de Teatro", de Nick Drnaso; "A Odisseia de Gonçalo Bombom", de Wander Antunes; "100%", de Paul Pope; e "Hyde Street", do selo Ghost Machine.
César "Bombom" Almeida, portero del Blendio Sinfín Santander, y Patri Alvarado, primera línea del Cajaviva Blendio Sinfín, repasan la última hora de sus respectivos equipos en SER Deportivos Cantabria.
BOMBOM DE UVA (Festas de fim de ano ) Ingredientes para o creme branco: 1 lata de leite condensado 2 caixinhas de creme de leite 200g de chocolate branco Ingredientes para o ganache: 300g de chocolate meio-amargo (derreter em banho maria ou no micro-ondas de 30 em 30 segundos) 400g de creme de leite 1 colher de sopa de whisky (opcional) Restante dos ingredientes: 2 caixas de uvas verdes sem caroço cortadas ao meio (antes de cortar a uva certifique-se que eles estão secas e após cortar, coloque em um tabuleiro ou em uma tigela com papel toalha por baixo, isso vai ajudar absorver um pouco da água) Chocolate ralado para finalizar Obs: É muito importante que o creme branco já esteja frio ou pelo menos em temperatura ambiente quando for colocado por cima das uvas. Isso evita que elas não soltem água. #culináriafaladacomnaluzica #receitadefamília #receitasculinariasparaouvir #bombomdeuva #sobremesadenatal #sobremesadeanonovo @Naluzica @naluzinhaniki.56
MONEY FM 89.3 - Prime Time with Howie Lim, Bernard Lim & Finance Presenter JP Ong
If you're a devoted paw-rent, you know that the best simply isn't enough for your furkid, especially when it comes to food and nutrition. But, in the ever-growing pet food industry, finding the perfect brand that caters to the diverse needs of our furry best friends can be a daunting task. Inspired by his own struggles in finding a brand that worked for his pet, Jason Wang set out to create a company that would revolutionize the way we think about pet food. Today, his company, BOM BOM provides a platform where owners can make increasingly informed decisions in their pet's diet and nutrition. On The Right Business, Hongbin Jeong speaks with Jason Wang, Founder & CEO of BOM BOM to find out more. See omnystudio.com/listener for privacy information.
E o beijinho vai pra quem, meu amooor? Sentadas em frente à TV de tubo, naquele horário determinado, sem poder pausar e sem replay! Éramos nós naquele momento tão especial do dia pra gente… As músicas, as brincadeiras, as cartinhas, a nave cor de rosa… Ahhhh era tão bom bom bom bom! Mas agora, depois de tantos anos, de repente a ficha cai e o tecido da ilusão é rasgado… no fim das contas o mundo da fantasia não era tão bom bom bom assim… A frase “Que xou da Xuxa é esse?” cai como uma luva mais de 30 anos depois… Exploração infantil, assédio, humilhação e descaso… Meninas muito jovens que tinham um sonho, mas não faziam ideia que esse sonho vinha com um preço muito amargo… No programa de hoje vamos falar sobre o documentário “Pra Sempre Paquitas” e dar a nossa opinião em relação a todos os absurdos ocorridos por anos a fio… Aperte o play e venha refletir com a gente pra que esse tipo de coisa não aconteça mais com as novas gerações! MAGALU Conheça o Mundo AliExpress no Magalu: https://jovemnerd.page.link/Magalu_AliExpress_CDM *Tributos de importação não inclusos. Consulte as condições e o valor total na finalização da compra. REDES SOCIAIS Carol Medeiros - @carolmedeiros.a Thaís Rocha - @enfimthais Mary Joe - @maryjoerodrigue Andreia Pazos - @deiaduboc Agatha Ottoni - @agathaottoni ARTE DA VITRINE: Felipe Camêlo Baixe Versão Wallpaper da Vitrine CONFIRA OS OUTROS CANAIS DO JOVEM NERD Mande suas histórias, críticas, elogios e sugestões para: canecademamicas@jovemnerd.com.br APP JOVEM NERD: Google Play Store | Apple App Store
08-10-24 - Morde e Assopra - Qual o Melhor Bombom Popular
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Bonjour ami RP! De toutes les activités marketing qui servent à promouvoir une marque, une entreprise ou une collection, les partenariats avec des personnalités, des experts ou même des entreprises complémentaires facilitent grandement le travail des relations publiques. Je vous entends amis RP, en effet, ce n’est pas nouveau, de Marylin Monroe qui se vente de porter uniquement son Chanel No 5 lorsqu’elle va au lit aux Kardashian qui développent aujourd’hui leurs propres marques, rien de nouveau sur le principe des partenariats je vous l’accorde. Mais oh combien efficace que cette tactique de partenariat. J’ai eu envie de vous parler de ces associations réussies aujourd’hui, car à l’agence NATA PR nous présentons aux médias une des toutes nouvelles collections de Roche Bobois lancée à Milan au printemps 2024. Il s’agit d’une première collaboration avec la designer chinoise Jiang Qiong Er. Des meubles qui sont magnifiques, créés dans un esprit contemporain inspiré des couleurs traditionnelles chinoises et du bambou. Je vous invite à aller jeter un œil sur le site de Roche Bobois. Alors comment cette collaboration facilite-t-elle nos tâches RP ? Et bien immédiatement après l’envoi du communiqué qui présente cette collection à nos amis journalistes du Canada, 3 médias majeurs nous ont demandé une interview avec la designer. Il faut savoir que des demandes spontanées ce de type sont rares et exceptionnelles. Mais comme la communauté asiatique représente sans doute plus de 20% au Canada (elle comptait pour18% selon les dernières statistiques en 2016), vous comprenez l’attrait de ce partenariat pour nos amis journalistes. Alors, imaginez un peu quelle sera la demande pour ces produits à Vancouver et ailleurs dans les belles provinces canadiennes. Roche Bobois choisit judicieusement ses partenariats et n’a pas peur de s’aventurer du côté des créateurs qui ne sont pas encore des célébrités mondiales, mais qui ont tout le potentiel pour le devenir. Récemment, un partenariat de la maison avec l’artiste portugaise Joanna Vasconcelos qui a créé la collection Bombom, a aussi connu un franc succès . C’est d’ailleurs une adaptation de la collection Bombom en magnifiques meubles de jardin présentée à l’IDS de Toronto (Internationl Desing Show) en janvier 2024 qui a fait fureur. Je vous entends, pas si facile pour de plus petites entreprises de développer de telles associations. Pourtant, tous les jours, je vois de jeunes marques issues du Web qui ont trouvé des influenceurs qui partagent les mêmes valeurs qu’eux, présenter des produits de l’entreprise. Parfois, la collaboration est tellement fructueuse que la marque développe un produit en collaboration avec l’influenceur qui pourra ensuite le présenter à sa communauté. C’est partenariats sont aujourd’hui accessibles à tous grâce au web et aux influenceurs. À vous de trouver ceux ou celles qui ont des communautés de fans sensibles à ce que vous proposez. Envie d’en savoir plus sur les RP, aller consulter nos liens et surtout inscrivez-vous sur nos listes pour ne rien manquer. Nata LE MODÈLE NATA PR GRATUIT ➤ https://prschool.natapr.com/Le-Modele-NATA-PR INSCRIVEZ-VOUS À NOTRE INFOLETTRE ➤ www.natapr.com FAITES PARLER DE VOUS GRATUITEMENT ➤ https://prschool.natapr.com/evergreen_fr INSCRIVEZ-VOUS SUR NOS LISTES ➤ www.natapr.com INSTAGRAM ➤ https://www.instagram.com/nata_pr_school/
Hello PR friend! Of all the marketing activities that help promote a brand, a company, or a collection, partnerships with personalities, experts, or even complementary companies greatly facilitate public relations work. I hear you, PR friends; indeed, this is not new. From Marilyn Monroe boasting about wearing only her Chanel No. 5 to bed to the Kardashians, who are now developing their own brands, I agree there's nothing new about the principle of partnerships. But how effective this partnership tactic is. I wanted to talk to you about these successful associations today because, at NATA PR agency, we are presenting to the media one of the latest collections from Roche Bobois, launched in Milan in spring 2024. This is the first collaboration with the Chinese designer Jiang Qiong Er. The furniture is magnificent, created in a contemporary spirit inspired by traditional Chinese colors and bamboo. I invite you to take a look at the Roche Bobois website. So, how does this collaboration make our PR tasks easier? Well, immediately after sending the press release presenting this collection to our journalist friends in Canada, three major media outlets requested an interview with the designer. You should know that spontaneous requests of this type are rare and exceptional. But since the Asian community likely represents more than 20% of Canada (it accounted for 18% according to the latest statistics in 2016), you can understand the appeal of this partnership to our journalist friends. So, imagine the demand for these products in Vancouver and elsewhere in the beautiful Canadian provinces. Roche Bobois wisely chooses its partnerships and is not afraid to collaborate with creators who are not yet global celebrities but have all the potential to become one. Recently, a partnership with the Portuguese artist Joanna Vasconcelos, who created the Bombom collection, also met with great success. Indeed, an adaptation of the Bombom collection into beautiful garden furniture presented at the IDS in Toronto (International Design Show) in January 2024 was a hit. I hear you; it's not so easy for smaller companies to develop such associations. However, every day, I see young brands from the web finding influencers who share the same values and presenting the company's products. Sometimes, the collaboration is so fruitful that the brand develops a product with the influencer, who can present it to their community. These partnerships are now accessible to everyone thanks to the web and influencers. It's up to you to find those with fan communities interested in your offer. If you want to know more about PR, check our links and sign up for our lists so you do not miss anything. Nata GET FEATURED FOR FREE➤ https://prschool.natapr.com/evergreen_en THE FREE NATA PR MODEL➤ https://prschool.natapr.com/Le-Modele-NATA-PR SIGN UP TO OUR LISTS➤ www.natapr.com INSTAGRAM➤ https://www.instagram.com/nata_pr_school/
02-04-24 - Morde e Assopra - Qual A Melhor Caixa de Bombom
PENTAGRAMA LATINOAMERICANO Radio Folk http://bit.ly/podcast-PL ... en #MalkiTV (YouTube): http://bit.ly/MalkiTV-YouTube #musicaandina #radioenvivo
A diferença de onde você está hoje, para a vida dos seus sonhos é apenas um BOMBOM. Em um estudo, crianças foram deixadas sozinhas em uma sala com um bombom... Um adulto aparecia e dizia o seguinte: "Olha, eu preciso sair por 15 minutos... É muito importante que você não coma o bombom. Se fizer isso, quando eu voltar, te darei dois bombons..." Consegue imaginar a criança sozinha em uma sala olhando para o chocolate? Pior: ter que ficar olhando por 15 minutos sem comer? Quem conseguiu esperar foi recompensado com mais bombom. Qual o objetivo desse estudo? Torturar criancinhas? Não... O objetivo era avaliar os efeitos da gratificação adiada. E descobriram que as crianças que não comeram o bombom e até aquelas que resistiram à tentação por mais tempo, saíam-se melhor na escola, tinham mais facilidade para se relacionar socialmente e administravam o estresse melhor que as crianças que devoraram o bombom assim que o adulto saiu da sala. Aqueles que resistiram tiveram mais sucesso do que os que comeram a guloseima. Moral da história: você está cedendo aos prazeres imediatos e devorando bombons ou está esperando e apostando no longo prazo para conseguir aquilo que realmente quer? A sabedoria de resistir a prazeres imediatos em prol de benefícios a longo prazo é uma virtude que pode ser considerada tanto uma arte quanto uma ciência. A capacidade de adiar a gratificação instantânea é frequentemente associada a resultados mais positivos na vida, desde o sucesso financeiro até o bem-estar pessoal. Essa abordagem requer disciplina e visão de futuro, uma compreensão de que o verdadeiro valor muitas vezes reside não na satisfação rápida e efêmera, mas na paciência e na perseverança que pavimentam o caminho para conquistas mais substanciais e duradouras. Ao priorizar objetivos de longo prazo sobre a tentação de recompensas imediatas, cultivamos uma resiliência que nos capacita a construir uma base sólida para o futuro, garantindo que as escolhas de hoje não prejudiquem as oportunidades de amanhã. Não seja um devorador de bombons.
A diferença de onde você está hoje, para a vida dos seus sonhos é apenas um BOMBOM. Em um estudo, crianças foram deixadas sozinhas em uma sala com um bombom... Um adulto aparecia e dizia o seguinte: "Olha, eu preciso sair por 15 minutos... É muito importante que você não coma o bombom. Se fizer isso, quando eu voltar, te darei dois bombons..." Consegue imaginar a criança sozinha em uma sala olhando para o chocolate? Pior: ter que ficar olhando por 15 minutos sem comer? Quem conseguiu esperar foi recompensado com mais bombom. Qual o objetivo desse estudo? Torturar criancinhas? Não... O objetivo era avaliar os efeitos da gratificação adiada. E descobriram que as crianças que não comeram o bombom e até aquelas que resistiram à tentação por mais tempo, saíam-se melhor na escola, tinham mais facilidade para se relacionar socialmente e administravam o estresse melhor que as crianças que devoraram o bombom assim que o adulto saiu da sala. Aqueles que resistiram tiveram mais sucesso do que os que comeram a guloseima. Moral da história: você está cedendo aos prazeres imediatos e devorando bombons ou está esperando e apostando no longo prazo para conseguir aquilo que realmente quer? A sabedoria de resistir a prazeres imediatos em prol de benefícios a longo prazo é uma virtude que pode ser considerada tanto uma arte quanto uma ciência. A capacidade de adiar a gratificação instantânea é frequentemente associada a resultados mais positivos na vida, desde o sucesso financeiro até o bem-estar pessoal. Essa abordagem requer disciplina e visão de futuro, uma compreensão de que o verdadeiro valor muitas vezes reside não na satisfação rápida e efêmera, mas na paciência e na perseverança que pavimentam o caminho para conquistas mais substanciais e duradouras. Ao priorizar objetivos de longo prazo sobre a tentação de recompensas imediatas, cultivamos uma resiliência que nos capacita a construir uma base sólida para o futuro, garantindo que as escolhas de hoje não prejudiquem as oportunidades de amanhã. Não seja um devorador de bombons.
Chiki vino con su nuevo look y prende en llamas el estudio. SIGUEME EN MIS REDES • INSTAGRAM → instagram.com/pollitotropical • FACEBOOK → facebook.com/pollitotropical • YOUTUBE → YouTube.com/pollitotropical
Download Full Album : iversonmusic.bandcamp.com/album/club-tools-24
Foi "um teste às dinâmicas ofensivas" portuguesas. José Sá entra "um bocadinho a medo", mas foi uma partida "fácil de resolver". Comentários de Mário Cagica, sobre jogo Portugal x Liechtenstein.See omnystudio.com/listener for privacy information.
QG MasterChef é o papo sobre tudo o que rola no MasterChef Brasil. Tem entrevista com o eliminado e muita interação com a internet através da hashtag #MasterChefBr. Neste episódio recebemos o eliminado da semana, que entregou MUITO, mas escorregou na prova do chocolate e deixou TOP 5 do MasterChef Profissionais. Bora conferir a entrevista? #MasterChefBr
Bombom de Manga Ingredientes Para o recheio: 2 ½ xícaras (chá) de suco de manga (500 ml) 1 xícara (chá) de açúcar (160 g) ½ xícara (chá) de creme de leite (100 ml) Para a casquinha: 1 kg de Cobertura de chocolate branco picado 100 g de Cobertura de Chocolate Blend picado Materiais necessários: molde fundo para bombons recheados papel-manteiga e forminhas de papel. Preparo Prepare o recheio: em uma panela pequena coloque o suco de manga e o açúcar e leve ao fogo baixo, mexendo de vez em quando para não grudar no fundo. Deixe reduzir pela metade, formando uma geléia. Coloque em um refratário, deixe esfriar e, então, acrescente o creme de leite e misture bem. Leve à geladeira por 1 hora para ficar firme. Casquinha: derreta a cobertura de chocolate branco em banho-maria ou microondas, na potência média, por cerca de 3 minutos, mexendo na metade do tempo a fim de aquecer por igual. Transfira-a para outro refratário limpo e seco e acomode-a dentro de um recipiente contendo água fria. Mexa continuamente para que o chocolate resfrie e atinja a temperatura ideal de moldagem. Para identificar a temperatura, mergulhe a ponta de um palito limpo no chocolate e coloque-o sobre os lábios; ele deve estar frio. Faça o mesmo com a cobertura Blend, mas reduzindo o tempo de derretimento para cerca de 1 minuto e 45 segundos. Prepare o efeito de cores na casquinha: lave e seque bem as mãos e, com a pontados dedos, espalhe porções da cobertura Blend sobre o molde. Leve à geladeira por alguns minutos para secar. Preencha completamente o molde com o chocolate branco e, em seguida, vire-o sobre um prato fundo e grande, para escorrer o excesso. Limpe o molde e leve-o à geladeira por alguns minutos, para que o chocolate seque. Coloque o recheio em um cone feito com papel-manteiga e preencha as cavidades do molde. Cubra-as com chocolate branco e leve o molde novamente à geladeira por cerca de 20 minutos ou até que ele fique opaco, indicando que os bombons podem ser desenformados. Dê algumas batidinhas no molde e vire-o sobre uma mesa para soltar os bombons. Utilize luvas limpas para manusear o chocolate e não marcá-lo. Coloque os bombons em forminhas de papel e acomode-os em uma bandeja ou caixinha. #culináriafaladacomnaluzica #receitadefamília #receitasculinariasparaouvir #bombomdemanga @Naluzica @naluzinhaniki.56 @cozinha.compartilhada --- Send in a voice message: https://podcasters.spotify.com/pod/show/culinariafaladanaluzica/message
Tatiane Fernandes é especialista em alimentação saudável e todos os domingos no programa Acredita apresenta receitas saudáveis!
A "Dica da Tati" é um quadro de alimentação saudável. Tatiane Fernandes e especialista em alimentação saudável no programa Acredita
Ana and Jaesun have the heart to heart they've been waiting months to have. And we find ourselves back where it all started — the noraebang.This is Episode 10 of Love and Noraebang from The Mash-Up Americans, the Kdrama RomCom of your California Dreams.Link to ScriptCast:Los Angeles / Randall Park Ana / Francia Raisa Federica / Ana Gonzalez Bello Mark / Rafael Torres Chloe / Julia Cho Kunwoo / Steve Lim Jaesun / Justin H. Min Sookmin / June YoonCredits:Produced by Sonoro and The Mash-Up Americans. Executive Produced by Camila Victoriano, Joshua Weinstein, Amy S. Choi and Rebecca Lehrer. Directed by Amy S. Choi and Rebecca Lehrer. Written by Quincy Cho and Anthony Aguilar. Producers are Sofía de Antuñano and Shelby Sandlin. Sound design and foley by Meni Bulnes. Music editor, orchestration and score by Laura Cruz. Original song by Laura Cruz, with vocals by Jen Kwok and additional production by Jen Kwok and Jody Shelton Composed by Jen Kwok and Jody Shelton.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Dia dos irmãos! Rabo de Peixe - droga, talento e muitas asneiras. Faça as pazes com os seus irmãos. Que orgulho na nossa seleção de futebol feminino - Navegadoras. Bombom de chocolate que mais vale depositar... ou filtrar!
We may all be over cold calling, but we can't pretend it isn't an art form and occasionally a necessary skill. Today we are going over what it takes to close luxury listings with just some good, old fashioned cold calling.ResourceCheck Out His WebsiteReal Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramTranscript:So how do you track new business, you constantly don't have to chase it. Hi, I'm Mike Cuevas to real estate marketing. And this podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get started.What's up ladies and gentlemen, welcome another episode of the real estate marketing, dude, podcast, folks, we're gonna be chatting about today's luxury listing. That's one of the top questions we see in all the Facebook groups. A lot of the questions we get written in the show, and they're always like, hey, how do I get luxury listings? And usually, my response is, Well, you got to hang out with the people who focus on those homes. Because if you don't, that's how you build a relationship with them. Right? That's actually how Josh Altman got a start. If you ever read his book, Josh Altman used to hang out in the Starbucks. I think I have his book right here in my library somewhere. But he used to hang out in the Starbucks. That's how he got his first listing he heard overheard eavesdropping in the line, some athlete was selling his house, he threw his coffee way, gets behind them and starts a conversation. And that was how he got his first listing. But he put himself in that environment. So what we're going to do today is our guest is going to prove me wrong and every single way, because he's really good at something I'm not. And most Realtors aren't, to be honest with you either. But that's why it's probably working for him and what he's an expert in is actually going about and getting luxury listings. But starting that prospecting journey on the phone. We're talking about possible cold calling, and I don't know yet we're gonna get into an interview him, but this is phone prospecting, and I can't do it. I hate sales. I can't do it. I just can't do it. I can't pick up the phone and call someone and try to sell my shit. I like when they come to me. But I do know phone prospecting works very well and our other company owner advocate, we are creating all of our seller leads through cold calling, and we're cold calling certain aspects. So it does work. Yes, but this dude's gonna give us the magic. So without further ado, let's go ahead and introduce our guest George dilemmas. Did I say that correctly? Yes, you did. Right. Damn, I know that. I was taking notes when you said it a couple of times. That's why. But let's just say hello to your guests. Tell us a little bit about yourself who you are, where you're at. And I got all kinds of questions for you.Absolutely. Again, my name is Georgia lamas. I'm located here in the Panhandle in Florida. You're probably asking what the heck is that? Well, that's in a historic part of this is called 30. A. That's where all our vacationers come down and investors it's also Destin, Florida is in that area. Lifetime, vacationers come down here as well. And yes, big part of my business sold over 100 million. And I'd say 99% of that's come through phone prospecting, whether it's expired listings, just sold pendings. If I see a significant sale, maybe get to know the neighborhood a little bit call in. And basically, I'd love to kind of run through that. See if I can give some good knowledge out to everybody.That's crazy. How long have you been in the business first?I've been in the business I got my license in 2013. Probably didn't start till end of 14 or 15. I think more than 14 I was still full time in another job.And are you from your local geographic area? Or did you transplant in ornumbers from Boston grew up there? Spent a quite a few years down in South Florida as a little kid moved back up to Boston came up to this area by chance and yeah, that's really it really came up here by chance? No, definitely didn't know anybody didn't have a sphere really had nothing. You just went to work.That's why I ask is that because you know, when you have a sphere real estate is not that difficult. You stay in friendly relationships, and it'll provide consistency in your business, you might not get superduper rich, you'll have to prospect for that. However, you could have a consistent and make a very good income just off relationships as long as you have them. But when you don't, what do you do? Right? So alright, let's get into this. So talk to me about why phone prospecting first and is this the first thing you've ever done? Did you ever try anything else out and you stumbled into this? Why did you how did you end up on the phone? Because most of us run away from us?Sure. So when I started out I mean literally our first year is like throwing spaghetti at the wall right? See what sticks here. Back in the day. I was blogging, back back loading SEO to try to get mine right. I'll tell you though, I did it and like I get on the first page but then I would you know inbound wasn't coming right. I would sit open houses i I'd like to but I didn't really love it. I didn't really ever like dealing with buyers. I'd rather blow my brains out and having to drive around for days with people hats off to those who do it. So how do they get into it? I started going on YouTube how to how to get listings. I started studying listings, how they sold you know, the photos were bad description was bad. I started studying like, why did this happen? And I stumbled across a guy from Massachusetts so I probably gravitated to him being there. And I saw his YouTube video He did live calls and I literally write down the scripts. What did he say? How did he say it? So that was really the starting to it. And then I just started calling scared as hell phone ring. Don't answer, don't answer, don't answer that answer and stumble. But I have excitement. I have energy, like, because I would go back years later and go, Why the hell did someone listen with me? I had no clue what I was doing. But I just didn't stop. So that was the evolution started there. And then just over time, I studied my craft every day. I'm probably like you, you know, tons of reading, looking into things. Why do people say certain things? How does the brain work? When somebody says something? What's subconscious do? And that's what I really did.There's an art to it. It's not so much like if you know how to like, it's very similar to dating guys. But there's an art to it, right? You gotta like, you gotta get an interest. Because let's be honest, like I get all the today I get all the might be what's up might be spam, or what's the word on your phone? Again, like spam likely? And I'm like, I'm not picking that up, you know, like all the time. So I mean, that's even gotten harder, and you're still having success. So start at the beginning here. How do we find the people to call? What's you grabbing data sets? Are you targeting anyone distressed? Where you call him? And how do you know they're likely to move? And then like, how do we narrow the list out first, we'll start with that.Depending on your market, now, this market doesn't have as many expireds that's how I kind of cut my teeth on it back in 15. It was an old market, which were kind of returning to now and obviously some parts of distress. But so I would start there, I would get one of those local services, whether it was red X volken. Seven, I like Vulcan seven personally no endorsement, of course, but I used to use it. And it would pour in that day, you'd see all the expires, all the cancels. And then I would be I would really pick and choose even at that point. And this is no offense, anybody I didn't want to deal with the $500,000. Seller. For the markets I was in. They were almost first time home sellers. Lot. It was for all the work to do for there. Why not go after bigger ones. So I'd see ones that would expire? One to 2 million, 3 million, 4 million some cases up to 10. So that's the first start.Quick question, do you find that a lot of people go after that higher end expired? Or do you feel like people get a little bit timid and scared away from that? Like, I wonder how many people are actually calling luxury? Like, how many people are calling the $10 million expired? Sure.Over. So here, our average price point on 30 days? Shoot? Well, it was up as high as like 2.2 million. It's obviously come down. So yes, which somebody call it 10 million. And they don't get as many calls now. Because number one, like you said, scared as hell to do it. The ego protects us, right? Ego says, hey, they probably wouldn't want us they don't they don't want anybody calling their phone. So yeah, that stops them. The ego when you start telling yourself a story, oh, I shouldn't call their day, they probably already have an agent and go back with their agent and start telling that story. But yeah, I'd ask, Hey, you know, Mark, I'm curious man, you must be your phone must be blown out. You're getting all these calls about your home coming off? Like no, not really. And I'd start tracking that. So okay, anything over 5 million, the calls dropped way off.Interesting. Good point, guys. Take notes. Man. That's a really interesting point that somebody got said, Okay, who else other than expires? What are you doing now?Also a little bit expired. Again, not much. But more. It's just sold pendings. Now, I will say, you know, I'm part of a team I was invited to join a couple years ago, it's been the best thing I've ever done. But it also gives us an opportunity to market around our own sales, of course. So we'll do a lot of that. And a lot of that, I will say it's not the lowest hanging fruit so that you'd have thick skin or it's going to be a lower conversion rate. But you're calling you're just educating them. Hey, great news. I don't know if you saw the Carter sent over. as well. I'll put a scannable code on it where they can watch a video I'll talk about the product sold. Just let them know what happened. Hey, great news. market is starting to flatten out. But your neighborhood property just wandered to contract and 15 days it was listed at $1,100 a square foot. I'm shocked to see that I'm just extremely happy. I wanted to share it with you guys. Hey, before I let you go, Mark, I am curious, though, if you could get a strong price like this. Would you have any consideration in selling right now? What's you know? What's your thoughts? Then you just get into a real conversation. Now. Truth be told, I've done this so many times. I've had repetition. Oh, so you could say one thing over time I've learned it's a practical intelligence, knowing what to say how to say it for the highest value? I'll find I'll know ahead. So you might say no, no, we're not going to sell right now. Okay, I understand that, you know, but what price point you say no to or if you were to sell? Is this more of a time based thing that you have to wait six months, or you just don't have somewhere else to go up to this? Because these are investment homes. So if it's off the beach, maybe ask hey, you know, I'm curious. I love it's interesting. If you could ever sell anything closer to the beach, would that be like the dream? Would you want to do that? And just kind of get into it from there.But yeah, you just said some interesting these are investees like second homes. Yeah. so nice in your market. So that's interesting. She got a lot out of state people might not be privy to like What the hell's going on every day and whatnot. And that's to your advantage. It's not it isa cheat code here. You're right, because they don't have an agent. And most of the time, let's be really honest with ourselves, right? What's the old NAR stat? 80% of people loved their pest agent. It's even probably higher than that. How many times they use them again? And then the numbers dropped way down.18%? Yes, you guys fail to stay in touch with them?Exactly. So even here, it's even easier because out of sight out of mind, I don't see them. So if I can get a relationship started, if they don't want to sell right then you're not we're not thinking about selling right now. Great. And of course, we get the follow up process started emails video, and thenin front of them run from there. Yeah. Interesting. I like this a lot. Guys. There's a lot of nuggets. We're unpacking over here. Out of curiosity, you just said that. The market in you're in? You're in Florida, I'm in San Diego. And is the market depreciating? there right now, currently DLLs are a values and how much have a hit? has it taken in the last six months?Sure. It here it's really it's a it's a it's not a strange thing. It's unique. We're having some neighborhoods that have I would say in my words completely pulled back. You know, they were at, let's say 2 million. They're lucky to get now at one eight, in some cases, right, because they have too much inventory temper stuff, right, like 2022. But some of the waterfronts we're still seeing 2200 square foot 2400 square foot, now there's less of it. And I will say the sellers and buyers, it's a it's a war because there's good inventory, and then there's bad. And the bad inventory is overpriced and not turnkey. The good inventory is priced closer to market. And as beautiful finishes completely redone. Even the furniture is upgraded. Because for our market, that's an important things people buy the homes furnished. And that way they can walk in they'll do it. But yeah, I mean, sales drop off with 30%. Less than last year, I handled the numbers this week. But if I had about 30% Less transactions. Yep.And you guys just work hard, harder. I mean, that's the opportunity zone itself, because a lot of the agents who just list a house on the MLS wait for the buyer to come. You know they're gonna reality is when the shifts happen, you want a business, it happened last time, it's gonna happen again, probably. But for those of you who are listening, actually doing the ship full time, you have an opportunity, you're gonna have to grind like we all did. I grinded, when I started this dude grinds every fucking day. And if you're not grinding, like you're not going, there's no easy button in this business. And whatever that grind is for you. For me, it was content creation. For George, it's calling. And there's a thing out there for you guys. Alright, let's go to the art of the call here. Because this is interesting. I don't know if we should roleplay this or what but walk me through. I'm a seller, all of a sudden you interrupt my day with a call. And this is more of like a circle prospecting thing. You're just starting to build a relationship through a phone call getting their information and then farming them essentially. Is that what I'm hearing here? Yeah,I mean, that's good, especially now that the markets come down, you're it goes right back to what it was from 2015 to 2019. Okay. And the call, you're right, so you hit it, and it's different tonalities but the opening is very simple. We don't want to waste your time because again, as you said a little while ago when you look at your phone, and scam likely because you know what you build that habit up in your subconscious to say that salesperson narrator is telling you don't pick that phone up. Yep. Well, I get you on the phone. It's very simple. The tonality straightforward. So Hey, Mark, and like, yeah, in the south, I do a couple things that are different than I would in where I was before, but the South is the uptick. A mark, right there. It's like do I know this person? A mark. It's George, local agent here in Destin. Hey, the reason for my condo keep it quick. I saw your home came off the market. I'm sure you're getting a bunch of calls from people telling you to sell your house in 30 days, cash buyers and all that stuff. They'll usually say yeah, they're calling. Oh, cool. I wasn't calling about that. The reason I was calling I was looking at the photos of your house. I have to ask this how in the world did this thing not sell? You got a beautiful kitchen? You know, it looks like you have a bigger lot.Calm I'm millennium. Yep.Implied compliment. And then the way I look at it, I become their friend. Right? Because I will say that that line right there. Three weeks ago was worth 7.6 million of a listing I got because when we got to did the phone call to get it sat down with him. I asked the NSA I'm just curious. I know we have great side trails, sales track history, but what made you invite me to your house? He knows well. No one ever asked me why my home didn't sell it. So you know all the stuff we study and we take surveys as we talk to people we know that line works. Yeah, so we asked that line. You know, because we're generally interesting. This house is beautiful happen. They'll tell us and they bash their agent. I will tell you this 100% Don't do that. Don't join in. Just say I I can say, hey, I get it. You know, sometimes we hire people with the best intentions doesn't work out. It is what it is. Go right to the next question is usually it's always an ARB, typically, because we want to give them opportunities to answer not yes or no. Hey, Mark, I'm curious. You told me you're taking it off. We'll understand that. But if you had sold this, we're going to reinvest here locally, are you going to cash out? Take your bag of money and head for the hills? Let him answer. And all we're doing is building up rapport. Yeah. And then we start, we start positioning ourselves like, Hey, if you are going to put it back on, we have the conversation, you know, will become a problem solver. Yep. You know, George, I was thinking about, you know, cashing out, maybe reinvesting in, you know, upstate Georgia, a lot of Mountain House, we're interested. And, you know, I will push on the pain a little bit, but I'll just say, Wow, is that dream dead? Now? You know, the agent, unfortunately, couldn't do it. Is that dream dead? Well, we're not really sure. Well, what if there was a preference? Which would you still want to hold on to this and not get to Georgia? Or if you could find a different solution and move? Or move your equity to the next house? Would you want to do that? What's the best choice for you? And they're really motivated, we'll get to it. And if they're not, then we just simply go back into, like you said, get the email, follow up, stay in touch, educate them through our videos and talking about market updates. And then hopefully, one day secure that listening.Did you guys catch the importance of the tonality in the beginning, and I tell us all the time for people that we create content for is that the tonality is everything, no one's gonna remember what you're saying. They remember how you're seeing it. If you notice the pitch in his voice right at the beginning, and he said that on purpose, he goes, it's got to be a little op ed in the south, because you got to play you got to chameleon, with these people. And you got to mirror them. And when you do that, they're subliminally more attracted to you. I remember one of my old agents. I started when I was in Chicago at a brokerage and then I tried to do lead generation for agents and no one could ever convert. Like, it was just I just gave up. But I would record their phone calls. And, and we were I was bringing in a ton of calls. We're getting inbound calls like crazy. But then when I would listen to this one guy was one agent on my team and he was like, this is this is how he sounded when he go. And they were their inbound calls. Okay, these weren't outbound. These are inbound leads sellers calling. You go. Hello? Yes. Oh, hold on a second. Let me grab my pen. That was his opening line. Let me grab my fucking pen. Are you shitting me? Like, let me grab my pen so I can sell you something as all he said. And I'm like, and his tone was so off like it made me hurt. How important is that tonality?Oh, it's everything. It's like you just said because even I tracked back when I used to call when I told you I would think back and I took my as a friend. I always talk to him in California, we always prospect back and forth and conversations. And one thing we both joke about how the hell did somebody pick us? We didn't know we're talking about we didn't know how to close efficiently. But what we did do and it brings you right back to what you said the tonality. Yeah, now as time went on, and there's a guy that I always credit with me, and I quote, he coached me for a month and put me on track to get higher listings. And when we did that, he was trained by Jordan Belfort program, and I really dove deep into the tonality, because there's stuff he does like the Whisper. You know, like, sometimes I may get into a situation where I'm like, you know, Mark, can I tell you why that scares the hell out of me that you're thinking about using the same agent. And then you can come up, you know, my energy comes up, I might know, for me, I had to have an internal thing that says, George, stop speaking so fast. That's awesome. Yeah. So you're right, there's going to be times where NL you put down in really, what makes you say that you can come up, you can come down, you know, a lot of times too. And this isn't a tonality part, but asking permission, giving them the ability to say no, Hey, Mark, would it be okay, if I'm direct with you right here? And then they'll Yeah, of course, what is it and then that's a way to get your point across without having to be too salesy or talking too much, because they give you that permission. Now, of course, be direct, but I gotta tell you the plan you have set up, I've seen it happen before. The percentage of it working out for you to get this money out is probably not in your best interest. And can I explain why we're going to it? But the tonality if you hit it right in the head, sometimes I will whisper over my tongue really down and elongate words. You know, Mark, how in the world did that not sell? I work on that crap so much that sometimes people will laugh. They started laughing because they're like, I don't know. I don't know how my household doesn't sell. And then you can you can feel that come back to you and you're talking to him, and it gets you you do it enough times it registers like in my brand new binder, you pause the slightest bit when I asked, Hey, this is Georgia, my local agent here in town, and you can hear them. And I know Mike, you've been getting calls, haven't you? Yeah. I mean, I gotta tell you, you get the worst the worst calling because they're not trained on what to do and how to work and help you efficiently And then we kind of go into it. But the tonality without it. It's, you're right. It's like, Hello, how are you? What are you doing? It stays flat. Well, that's, it'swhy I hang up when I get cold calls from India because I can hear the boiler room in the background of people without making outbound calls. And you just hear me like, dude, I'm gonna, I'm on the other end of the sales floor, like, fuck off. You know, like, I don't want to talk to you. Alright, so this is cool. I like this a lot. The second piece, though, is that he did in his coffee, he hasn't paid attention and taking notes was that he differentiated himself. And instantly, he told them the opposite of what everyone else was telling them. He knows what they're already telling them. Right? Is that accurate? Correct. Yeah. So tonality match, then differentiate what the fox in it for you him or the color and then what makes you any different from everybody else. And agents aren't commodity guys, sometimes just listening and caring is the difference?That we're, we're the number one team here so we can talk about our numbers. But if you go right into like, if you're, if you're a kick ass agent in that neighborhood and sell all the homes, right, and my home comes off, yes. People want to work with winners. We know that right? Well, any walk of life we want. That's why we cheer for athletes, we go to the best restaurants, we try to go to the best things here near because people want to be affiliated with winners, right? But if you go in and you're like, oh my god, you know, last year, we sold this to did it and you start talking about yourself too much. You can even lose them there. Yeah, 100%. That's not about because you leave the conversation, you'll feel great. Oh, man, I just told Mark that we sold the most homes here on the water. He's got to choose me. But then an agent comes in and basically shifts to I'm a problem solver. I'm going to put all my energy into this. But let's really dive deep dive, what exactly do you need to get to this house to make it for you to move? Now, I'll get to that part. And then I'll reintroduce myself and say, hey, you know, I didn't mentioned at the beginning mark, but I had to tell you this. We're the number one team here. We sell XYZ last year, and I might bang in my chest and show you how impressive I am. I'm only saying this because if you do decide to sell your house again, you can feel great inside knowing that this is the transactions we handle day in and day out. And we can sell this house, it's just going to be a matter of either fine tuning the marketing, maybe we'll see some stuff in the house that we may want to change a little bit. Or maybe you do have to adjust your price. But before we get into that, and then we go into another question and then close from there. Love it.Let's get to the video stuff. Then you just carry on the conversation questions question based selling, you know, like pagan Mike ferry course, if you guys want to learn more about that, let's get into the nurturing. So I think that's where the conversion happens. So you're, I just want to know, like, what's your expectation to me talking to you? Like, I don't think you give a shit. If you get a listing appointment on the first one. I think you just want to put them on your drips.Yeah, because anybody who ever talks about calling, I hear some other coaching programs makes me cringe. Like the ones that don't tell the truth all the times like oh, yeah, just get them get an appointment, get 100 appointments a month, all that that bullshit, which is great. But let's be truthful, you're right. A lot of their times, like, Hey, I may need, I want to just take 30 days off the market, jaded them, they need a time off. And that's again, that's when you align, hey, I completely understand you know what, Mark, that's probably the best option right now. Why don't you take the 30 days off, let the listing cool off, and then jump back in anddemonstrate why I'm the man for the job. Yep, real content and video and all that great.And I like Bom Bom personally, because I can do screen records. So if I'm talking to you and say, Hey, Mark, I'm going to keep you updated. If I see a really strong sale, should I be sending that to you keeping you updated? And they'll say, of course yeah, please send it over. And then the videos are simply you get the screen record up Tom, I usually have the MLS background, it's just walk them through it. Or if it's a significant thing, or one better. If I had material that I want to share that I didn't want to bore you over the phone and just talk about it. I'll do a screen share screen record of it. And just show you Hey, I didn't have a chance really to go with this mark below, you're gonna see this. And here's some more material about it. And sometimes if we like we do some of the best videos here in terms of marketing a home. So I'll take a video. Pause right now pause excuse me, take the audio out of it. Play in the background. Explain why it's so important. Why it transitions the way it does. That's great. Because what it does is really start showing like holy shit this guy's way too much in the real estate listing. It'smore demonstration. That's what I like about it is that it's the key and then you're leveraging content not to sell to demonstrate and there's a major difference between that because most people will just start selling on when they're you're on video. They're gone. I mean, me, me, me, they always revert back to like, trying to talk someone into something. When the reality is you don't have to talk about anyone in anything. You just have to show them what you know. And that demonstration will in fact help convert them on over to you Do you guys set this up on? Are you doing these personally? Or are you like, Hey, I talked like so you talked to the guy and Mark, we hang up the phone, I basically tell you, I'm gonna take 30 to 60 days just to chill, I'm burnt out on this home selling process. I'm an Airbnb for another 45 days. Let me get some cash flow. And then maybe I might want to relist this. How often are you touching base with them? In that scenario, like? Or do you put them on an automated like drip or these videos are going out where you have different sequence of videos that you that like an FAQ or a case study, maybe listing videos that you guys have done? Like what kind of content? And how often? What's the frequency?I do, I do keep when a home valuation, and I let them know ahead of time, how am I gonna send this to you? I say keep in mind, this is an algorithm and your prices, you're gonna see it one month go way up, it'll probably pull back. But they're all kind of the same AI model. Number two, I'll send a screen record, initially first day, just thanking them showing some material. And then it just really depends on it. Yes, we will do some case studies, like you said, Hey, I just wanted to share this with you. When you are getting ready to gear up in 30 days. Here's something we recently did, we'll kind of go through it. I am starting to implement more of the pre recorded just pre recorded couples, and it won't be specifically Hey, Mark, look at this. I'll just let them know, Hey, you're gonna have some stuff come across, kind of showing you a few things that we're doing. We're really excited about them, so that we don't have to take the time of every time going. Hey, Mark, it's George Blankenship. It was more of, hey, this is exactly what I wanted to show you. Yeah. So we'll pre record that.And I'm sure you have your your video on when you're doing the screen recording, right? Oh, of course. Yeah. Yeah. And that's important, guys, because now you're putting the face with a name. And it just makes you more human. Right. We do a lot of research to do a lot of these conversion videos for law firms and attorneys. And that's all it is. It's the same thing. It's a very similar business model as an agent. But it's all conversion because people can inquire, but you got to file it, like no one's going to just call you up and list it happens, guys. But there aren't like so many common lists means like that everyone wishes like I wish the business was like that. It's not. But he's building a giant database is what he's doing. He's making calls. I guarantee you he has set time blockers making these calls. But what he's really doing is building a database. And that database is just sending up because these people will eventually move just a matter of when and 80% of them are going to hire the first person they meet with again. Now maybe they might meet with two or three people in an expired situation. But the vast majority of sellers don't want to do that. They don't give a shit. They just want to know they hired the right person. They don't want to go interview 20 agents and then try to figure out who's does this who does that no one cares. They want the job done, especially in this market. These are high D personalities you're dealing with or dealing with multimillion dollar properties or bottom of the line people I'm sure.Yeah. And you're right. I mean, they just wanted to have this one for anytime course, I've sold in other markets where they're this Israeli neighborhood, and you want to but again, they want somebody who's going to it's expired. And what I can sell on it. Look, I'm a bulldog, you're not to hire me to get the results done. You did it the first time it didn't work out. We all try one way. And now it's time to go a different way. And that's why again, we bring everything that's different. And the difference is me. Right? Yeah, you could we could plug in 100 people on this team or any the biggest teams, like you mentioned, Josh Dalton, the beginning, obviously has a big team, you could plug in anybody in those numbers. If you don't know how to close correctly, if you know how to make that client feel special. If you're going to be a problem solver, those numbers are going to shift for you. It is going to be something you can talk to your friends about, oh, I'm on this team and we sold this. Well, how are you using those numbers correctly? You know, how can you bring those numbers in and give service to your clients? Yep.That's the name of the game guys. You're a real estate problem solver. You're not a salesperson, you take care and you help people who have problems with their real estate because that's essentially what it is like, and if you focus it on that it's a lot easier to sell through that way. Very cool. Dude, this is awesome. Any other things you want to add? I think we got it all I think people got Oh, one thingI do want to say I think it goes back to this right? Like you send out video you do a ton of it. I mean, I mean, you're titling who you are. All that is is an invitation, right? Whether we're calling doing a video, we're giving them a future invitation to either open our email again, or to pick our phone up. If you got a lot of fake yeses, and you weren't like you said you're very monotone and you didn't excite them you didn't. Nothing went off in their gut to say let me call let me let me stay in touch with this guy or woman. You don't do any of that. You just gave him the worst limitation in the world. And they're gonna take it crumple it up in their head and throw it out. If you suck you said you sent over videos, and your videos are boring. And then just like the videos like Hey, Mark, I know we have 30 days till it's time to list again. I can't wait to use it. They're gonna like who the hell is this person? Yeah, you give that invitation. I'm like, holy shit. No one said number one, no one's sending you stuff. No one's going over in detail. He's done. He's definitely put himself as an expert and there's someone we can trust that we like and then It closes from there.Yeah, I like it. It's all demonstration, folks. And I like how you're using video. In all aspects of this. I'm all for that. Dude, this is awesome. Why don't you tell people where they can find you? If you guys have referrals or destin area, why don't you let them know how they can reach you so that you get credit for that.Appreciate it. And I think the best way that everybody's using it now is just, I love Instagram, you can go to G dilemmas, ar e, you can find me there. We're also going to starting starting a video series on YouTube, it's going to be more of a talk show, it's gonna be called cocktails or for closers. We've already kind of started it, if you ever want to tune in our first demo, one should be coming out and hopefully the next five to six days, go to our editor, of course, because we we tried to put 30 minutes out there, make it fun. And that'll be going on all the time too, as well. Just some great stuff to know about our it's going to be all about 38 What's the selling for what are things getting listed for so if you ever just want to watch a fun thing, and I promise you, it won't be the same kind of thing you see out there gonna be more of a talk show that I don't think we're seeing as much on YouTube.I like it, keep hostile and do a great job. And thanks for sharing all that knowledge. It was quite a bit like people come on this show. I think it was fucking packed. Go watch that again, guys. It's gonna be stuff like that, that's gonna get you through the next market. You're gonna have to do things different in whatever way it is. And if you're not uncomfortable right now, you're not growing and you're not going to grow period. You have to constantly push yourself to do shit you don't want to do and in the days you do, I promise you you will look back and think the fact that you did it. That's the only time we ever grow as individuals as business owners as you want to constantly be the most uncomfortable person in the room. That's at least my motto. It hasn't served me wrong yet and I don't know anyone else who else who does it because it keeps pushing you content. Being content is for losers. Can't be contented hustle, go for it. We don't have to do it working hard either. You can just do it working smart. Appreciate you guys. If you guys have any additional questions on this dude, leave some notes. Contact them but thank you for listen to their episode real estate marketing podcast. You guys know where to find me? Check out our software referral suite.com www dot referral suite.com We farm your database for you so they don't forget you exist and then people start calling you and referring you it's very simple. If you understand Gary Keller's millionaire agent book well, this is a software modeled after that. And it makes content creation very fucking easy. Go there at WWW dot referral. suite.com Appreciate guys listening. We'll see you next week. Thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing dude.com We make branding and video content creation simple and do everything for you. So if you have any additional questions, visit the site, download the training, and then schedule time to speak with a dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.Transcribed by https://otter.ai
La inigualable influencer y ahora presentadora de Telemundo Chiky Bombom decidió revelar muchas cosas que jamás había hablado. Es un episodio lleno de confesiones, momentos vulnerables y muchas lecciones.
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Buenos días, soy Yoani Sánchez y en el "cafecito informativo" de este viernes 2 de diciembre de 2022 comentaré estos temas: - Trucos y mañas para burlar los “precios topados” - Denuncian el "ensañamiento" contra Sancti Spíritus en el reparto de los apagones - Los obispos cubanos piden libertad para "un buen número" de presos en Navidad - Presentación de 'Memoria' de Laura Domingo Agüero Gracias por compartir este "cafecito informativo" y te espero para el programa del lunes. Puedes conocer más detalles de estas noticias en el diario https://www.14ymedio.com Los enlaces de hoy: Denuncian el "ensañamiento" contra Sancti Spíritus en el reparto de los apagones https://enterate.link/cuba/Denuncian-ensanamiento-Sancti-Spiritus-apagones_0_3434056561.html EFE desmiente haber informado de la llegada de El Corte Inglés a Cuba https://enterate.link/cuba/EFE-informado-Corte-Ingles-Cuba_0_3434056565.html Crónica de una farsa anunciada, las décimas de Alexis Romay https://enterate.link/opinion/Cronica-farsa-anunciada_0_3432856683.html Para las fiestas habrá masa cárnica extendida, crema Bom Bom, ron y algo de cerdo https://enterate.link/cuba/fiestas-carnica-extendida-Crema-Bom_0_3433456628.html Serbia desmiente que pida visa y dice que el problema son las aerolíneas https://enterate.link/cuba/Serbia-fronteras-Condor-Holguin-viajeros_0_3433456625.html Arranca en La Habana el Festival Internacional de Cine Latinoamericano https://enterate.link/cultura/Arranca-Habana-Festival-Internacional-Latinoamericano_0_3434056563.html La artista cubana Nela Arias-Misson en camino al reconocimiento póstumo https://enterate.link/cultura/artista-Nela-Arias-Misson-reconocimiento-postumo_0_3434056564.html Presentación de 'Memoria' de Laura Domingo Agüero https://enterate.link/eventos_culturales/libros/Presentacion-Memoria-Laura-Domingo-Aguero_13_3432386728.html
This week Jackie and Danielle are joined by their dear friend and Selena stan Stephanie! Join them as they talk about their friendship, growing up in Corpus Christi and rank songs from Selena! --- No More Late Fees - https://biolinks.heropost.io/nomorelatefees --- Send in a voice message: https://anchor.fm/nomorelatefees/message Support this podcast: https://anchor.fm/nomorelatefees/support --- Send in a voice message: https://anchor.fm/nomorelatefees/message Support this podcast: https://anchor.fm/nomorelatefees/support
Bevor es mit der Tour weitergeht, schauen die Jungs auf nen Sprung bei der Polaris vorbei. Mit im Gepäck: Der beste Witz aller Zeiten, Timons pornöse TikTok-Eskapaden, Flos Angst vor kotzenden Sitznachbarn, das Jugendwort des Jahres und vieles mehr. Fast wie ne bunte Tüte Doktorbonbons! WIR GEHEN AUF TOUR! Alle Termine und Tickets unter: https://comedylive.de/heiderundklengan
TODAY ON THE PODCAST: On Thursdays, We Wear Pink! Luttsy gets some research help, RIP Liam Hampson, the BOM aren't BOM anymore! What's In Susie's Bag? Dozzi are back in town, Mitch's car is disgusting, Smarter Than Suse, Mrs. Lutteral's Crossword, off-field sporting injuries, Elton John's first ‘Tiny Dancer' performance, Blink-182 & The Killers, is 'Black Adam' no good? And Ash's pink is not pink… Follow Ash, Luttsy & Susie O'Neill!Facebook: www.facebook.com/ashluttsyandsusieoneill Twitter: www.twitter.com/ashluttsysusie Instagram: www.instagram.com/ashluttsyandsusieoneillSee omnystudio.com/listener for privacy information.
La influencer Chiky Bombom no se aguanta la lengua para soltar secretos sobre su operación de estómago, el noviazgo de su padre con una chica mucho menor que él y otras controversias.
Podcast Papagaio Falante é um bate papo com o Sérgio Mallandro e Renato Rabello. Toda terça-feira e quinta-feira. Geralmente as 20h! Sérgio Mallandro: @serginhomallandro Renato Rabello: @ren.atorabelo
In this installment of TPS Reports the Squares discuss Beyoncé using an ableist slur, eating kangaroo, being less negative, unscented farts & having more patience in the kitchen. Outro song: "Staring At J Dilla" by Kembe X feat. Dave B. Smoochie Gang Playlist Term's Album of the Week Playlist Please send questions, stories & whatever else to tpsreportspodcast@gmail.com and feel free to leave us a voicemail at 708-797-3079. The Palmer Squares on Facebook, Twitter, YouTube, Patreon & more! Shop for Official TPS Merchandise
I usually hate discussing business, but when there is something newsworthy that affects everybody in the world, whether they're buying or selling, or they own a piece of property, like the topic of inflation then we gotta talk about it. This is the opportunity that you have to brag about real estate. This is when you bring it from the soapbox, because right now, no one's talking about inflation. I don't see one real estate agent out there talking about inflation right now. Why would we be talking about inflation? Well, it fucks up everything. So what I hope to do today is give you guys a bunch of different ways to create content, based upon what we're going to talk about in terms of inflation.To bring this conversation to life we've brought on Mr. Shawn Richard. He's out of the DFW market. He works with guaranteed rate. He's a lender. He's been doing this for a long time. I want you guys to listen to what he says grab a pen. Then we also have, from Scottsdale Arizona, Mr. Brian Cardenas. As a veteran loan officer, Brian has committed himself to listening to his clients and providing them with the financing solution that serve their needs. Three Things You'll Learn in This EpisodeWhy no one is talking about inflationHow to create content surrounding inflation, but make it interestingWhat inflation will do for your purchasing powerResourcesBrian CardenasShawn RichardReal Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramTranscript:So how do you attract new business, you constantly don't have to chase it. Hi, I'm Mike Cuevas to real estate marketing. And this podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get started.What's up ladies and gentlemen, welcome another episode of the real estate marketing dude podcast. And I first have to go ahead and say, I'm going to apologize for being off the show for two weeks in a row, I sort of broke my golden rule of consistency, but I've been working on a lot of shit behind the scenes. And for those of you that are working with us or anything else, I think you're gonna like it to your benefit. I've been working on my business recently, I hired a coach, and I'm working on different things within my business. And I've been doing a lot of restructuring. So I apologize for missing the last two weeks, I promise you, I won't do it again. But what we're gonna be talking about today is something that's going to be very relevant to the news today. I don't if you guys follow the show, I don't like talking about business. I'm the videos that we create. So like, I hate boring people with video content. However, when there is something newsworthy that affects fucking everybody in the world, whether they're buying or selling, or they own a piece of property, like the topic of inflation that we're experiencing today. This is the opportunity that you have to brag about real estate. This is when you bring it from the soapbox, because you right now, no one's talking about inflation. Nobody's talking about inflation. I don't see one real estate agent out there talking about inflation right now. Why would we be talking about inflation? Well, it fucks up everything. We have interest rates are changing. We've been so spoiled with this market lately, that people think it's always gonna last this way, guess what books I thought the exact same thing in 2006 and 2007. And think the Lord, I switched my business at the time that there's a correction to adapt in the short sales and I had the best few years of my life. I'm not saying the markets gonna crash. But what I am saying is that there is a correction going to take place in the affordability for what people can actually afford in today's market. And if you don't want to admit that we're going to bring on two financial Mortgage Pros, these guys are frickin killers in their market, they understand mortgage and interest rates. And if you're a real estate agent listening to this right now, you need to know this stuff. This is the this is the time to show your expertise and get out there and start talking to people and I don't know much about inflation, I just know that it's a topic people want to talk about. And when there's something newsworthy, you create content on it. So we're going to go out today. And what I hope to do is give you guys a bunch of different ways to create content, based upon what we're going to talk about in terms of inflation. And the truth is there is no right or wrong answer on this. Nobody knows what the future is going to hold. No one knows what's going to happen tomorrow. However, it is you're going to be getting these questions on the daily from your clients. Questions. People are wondering right now, if you go into Google and you type in these terms, this is why I know it's a hot topic. So when you create content, you create content, people search for it now what you think is cool, and when the other day when I went to Google and typed it, the search related results revolving around inflation in real estate were through the roof. That means people are talking about it, which means you have a content creation opportunity. So the problem is what are we gonna talk about? That's what I brought these two studs on. So without further ado, I'm gonna go ahead and introduce them both. We got Mr. Shawn Richard. He's out of the DFW market. He works with guaranteed rate. He's a lender. He's been doing this for a long time. I want you guys to listen to what he says grab a pen. And then we also have from Scottsdale Arizona Mr. Brian Cardenas and I say Cardenas right is our card den. Yes.Depends if you're a white boy. Areyou Hispanic like me? You're like a white Mexican.That's exactly what I am. Yeah, me too. Everyone'slike Cuevas is a qwave asked is your last name say acid it notes Well, boss if you say what do we got a lot to catch up on? Our Anyways, you guys I want you to say Hello, Brian. First. Go ahead, introduce yourself. Tell her where you're at. And then we'll get you on next.Yeah, glad to be on here. Appreciate you bringing us on. I think the criteria you had was find the two most boring guys that knew anything about inflation and bring them on so I think I won that contest was Sean there.This is C we're gonna this is only as boring as you make it. We're gonna make this superduper sexy today. Brian or Sean, go ahead and want you to tell everybody where you're from.Yeah. Hey, Mike, and everybody. Thanks so much for having me on. So yeah, Sean Richard, with children's mortgage team here at guaranteed rate in Colleyville. Texas for those who have no clue where Colleyville Texas is. It's about 10 minutes outside of DFW airport right smack in the middle of the metroplex. So yeah, glad to be here. Talk about inflation. Everything's rising across the board.Yep. So here's where I want to start with is uh, and honestly, like, we as real estate professionals should know this. And honestly, I don't I'm going to be the I've been selling these. You guys. I've been in the business 20 years. I can actually say that I got licensed 2002 I actually be the guy that says that, but I don't understand it. Okay, so if I don't understand it, I know a lot about real estate, I'm assuming that a lot of the people in the show don't fully understand it. So here's what I here's what I think the one question that every real estate agent needs to be able to answer in the country today. And the question is, what will inflation do for my purchasing power? So that's the question, I want to see how you guys answered, let's start with Brian, you go first. And then let's go on Sean?Well, I think there's there's two parts to it that affect your purchasing power is, the first one is we're seeing that this with housing prices, obviously, everyone's seen the ridiculous increase in housing prices over the last couple of years. And that is going to continue probably not at the same rate. But that is going to continue for the next probably three to four years, just based on supply and demand. Everybody knows we've got super low historically low supply and high demand properties. So that's going to drive up one piece of the equation. But the other one that's most directly, in fact, reflected through the inflation is mortgage rates, you know, we've seen mortgage rates jump, almost 2%, really in this year. And the reason that inflation impacts mortgage rates so dramatically is because you have to step back and stop seeing it from the consumer standpoint, you have to look at it as an investment vehicle that Wall Street investors look at it as. So when we make a mortgage to somebody to buy a house, ultimately, that gets packaged up and sold on Wall Street as an investment, just like a bond does. And what those do is those return a fixed rate of return to the investor. Well, if that investor is purchasing a fixed investment, that's going to return him three and a half percent. But now inflation has gone up, and it drives the market rate to 5%. Well, that investment that they made is less valuable to them, it can buy less shit at that rate of return. So basically, what has to happen is mortgage rates have to go up to attract those investors to buy those mortgages that we're making for you to buy your house. So as your rate goes up, now your monthly payment goes up, you know, when you factor in the interest rate on top of the increase in the home prices. Well said. Gotcha.Yeah, that's, that's absolutely right. Brian's got it spot on. And you know, and one of the analogies that I use for consumers, because you know, not not all consumers are super in tune with the market and things like that. So, you know, I relate it to these certificates of deposit at a bank, right? You go into a bank, and you've got the ability to invest in a certificate of deposit and different lengths of certificates of deposit or CDs, you know, three months, six months, 12 months, 18 months. And so essentially, the longer you tie your money up the typically the higher the return on an investment, right? So let's say you put your money into a 12 month certificate of deposit. And six months later, three months later, that 12 months certificate of deposit, the return on that has gone up maybe from three to 4%. Well, are you are you excited about your 3% return when you know that new certificates of positive paying 4%? You know, maybe not as much so. So that's loosely, a good analogy for what's going on with mortgage bonds is like Brian said, the yield on mortgage bonds has to be increased to to meet investor appetite. And so new, higher yielding bonds created and it pushes interest rates higher. And like, like Brian said, you know, has an impact on on monthly payment. Andhere's what I'm so let's just play devil's advocate here. Because if houses are going to continue to rise in price for the next three to four years, and at the same time, the cost to obtain them is also rising. At the same time, the cost of everything else from groceries to gas is also rising. At what point does it come where affordability, I can't afford that next house anymore that I could have afford last through two years ago? And when does that hit the fan? Because I don't see it as a sustainable way to keep going like trust me, I don't want the market to correct or adjust. Nobody does in that sense. But I do believe that we can have everything correlating directly up even with supply and demand because there's going to be a point where somebody says, Hey, dude, I, I can't put down, you know, 10% on this on this house anymore, and pay the extra $900 A month is now costing me. But then on the flip side of this, let's play the other side of devil's advocate guys is there's, well, interest rates are going to go up so it makes sense to buy now and lock in if we know rates are going to go up, because the benefits of homeownership always outweigh and if we think the market is going to continue to appreciate and that might be a smart move. Soon. I mean, there's there's two sides here and I see both arguments and I don't know which ones right. So how do you answer those questions?Well, Mike, I think there's there's a missing element there that a lot of people are just completely overlooking. And maybe Brian can also attest to this as well. But the missing element is, is wages. Right? So what's going on in the labor market right now, we are at, you know, post pandemic lows in unemployment. And so what you have is you have a lot of companies that are having to increase wages to attract employees. And so what wages are increasing. And I think the most recent wage report said that year over year, wages were up 12%. And so if wages are up, 12%, that's going to help the average homebuyer afford a higher mortgage, because you don't spend 100% of your income on a mortgage, typically, you're spending around 25, maybe 30%, you know, maybe upwards of 35%, and your mortgage. And so when you get when you get, say, $1,000, you know, $1,000, raise, let's call it monthly, right? So $12,000 Raise, you got a promotion. So that $1,000 a month, well, if you're only spending 25% of your income on your housing, that means you can afford $250 more per month. And if we break that down into what that means, that means the home price, a higher home price of roughly 30 to $35,000 that you can afford based on that increasing your wages. So I think the wage increases play a role that people are kind of overlooking, yes. The the appreciation in home values, the increase in home values, coupled with the increase in interest rates, is problematic for affordability. But I think that the the the complete omission of wage increases or wage inflation makes it look a lot worse than it may be actuallyis interesting I didn't know about and I you know, I have a gas here in San Diego's 619 As of today. Right? So what that means $105 to fill up your gas tank. So like even our employees here in the office are asking to work more from home because of that, you know, and there's going to be some companies, though that can't afford to increase wages, I get the big corpse but there is going to be some that can small businesses like ours can't afford just to instantly increase our wages overnight. And that's what I'm that's why it's just so interesting to me, what's what's going to be happening, but very well said understood.I think one of the things did it just add to what Shawn was saying he's he's totally right. People don't think about that in terms of the math equation, you know, can you afford a house, but we've definitely seen on the lower end of the market, where people have been priced out of being able to afford purchasing a home. And so it's a real thing that's happening right now, at least in my marketplace. And I think probably a lot of other marketplaces, kind of the the mid mid range move up buyer and higher end, that's not being affected quite yet, because they've got more disposable income. And that's why we see a lot of the statistics you hear talked about in terms of how home price increases, they always refer to the median home price. And what that means is, that's the midpoint at which the number of houses above and below that have sold. So what we're actually seeing is we're seeing higher priced homes being the ones that are moving on the market, and stuff in the lower price range, because it's gotten more expensive, is not moving quite as much. And but at some point, you're right, like what your your gut instinct is telling you, Mike, is this not sustainable? You know, what is going to happen is we're already seeing some of the indicators that a recession is coming. Like we don't know exactly when it's coming. But what tells us that it's coming is that when you get really, really low unemployment rates, which is basically where we're at now we're about at pre pandemic, unemployment rates. And we were we were there back before the pandemic, and we actually went into a recession, which probably a lot of people don't realize it was very short lived, they actually went into reserves before the pandemic hit. Yeah, so, but what happens is, when when things become less affordable, what ends up happening is the average person cuts back on their discretionary spending. So like, you might not go out to dinner, you know, an extra time a week that you would have done before. So what happens is now that restaurant has less revenues coming in, they have less revenue revenues coming in, well, they got to cut back on employees, and now that employee loses their job, they may have to go find a different job that's not quite paying as much. Now they're going to spend less money. And so what ends up happening is, then unemployment starts to tick up. And then that's what kind of leads us to recession. Like what Shawn was talking about earlier with CDs, another indicator of recession coming is a complicated, super sexy term you're gonna want to hear it's called a yield curve inversion. And basically, that's a good one, instead of the long term investments giving you a higher rate of return, which is normal. Now, the shorter term investments are giving you a higher rate of return. And that's investors basically saying we think rates are going to be lower down the road. So what that is basically telling us is We've got a couple of indicators that are that are telling us that recession is coming. My guess is it's probably coming faster than what what it has in the future. But that's gonna push interest rates back down, which will then help affordability for the homebuyers. When we're in thatchapter size, right, just note down. So look at the newsworthy what out the whole purpose of this is to have conversations like this with other people that are experts in their trade, and then come up with different ways to create a bunch of attention and content around this. Are you guys doing any form of lead generation or any type of digital marketing at all? In your biz? Yeah, I would love for you to test this headline. And I guarantee right now this would fucking crush it. I would do something like inflation is here. Can you still afford to buy a house? Find out now? Something along the lines of like that? I think that and I don't know, maybe that doesn't make me that bombs. But just hearing like what you just said, instantly? Just told me Well, if I focused on the lower end markets, and I really want to do until that down, even just an engagement post to your actual database and posting on social or sending a video email out with this topic. inflation, inflation is here. Inflation is real. Can you still afford to buy a house? Or on the flip end of that you could take that same headline and be like inflation is here has it has it affected the value of your house? For people that are own owning houses. So we're always looking at ways to create content and create different media or ways to start conversations. This is all content creation is guys. I don't create content because it doesn't create conversations. I create content because it creates conversations that lead to more opportunities, which is how you attract business. So what I'm getting at here is like you got all of these questions being answered like I could we this show might be an hour long, I still have like 20 More questions asked you guys. But each time I asked one of these questions, if I'm thinking about it, so is your average customer avatar guys. So fuckin put it out there. There's not a better way to become the expert and to demonstrate you our talk is cheap me getting up on my soapbox and being like, Hey, I'm the best on the bus. That's how that's every real estate agents business plan show sold just listed. brag, brag, brag brag. instead? Why don't you start demonstrating me what I need to know so that I could see you as a professional. I've never seen a it's crazy when we look at how real estate agents market their business. I made this post the other day. And it says if a doctor marketed their business the way realtor does, after after they after they do like a surgery and the doctors like hold it up like $3,000 like breast implant surgery cardiac whatever, like that's what real estate agents do. And it's the only profession we've ever seen it happen you know what I mean? Like but why is that it's because our egos all the time like there's such a better and better way to earn expertise and authority and build it by just creating content and shit that's relative or what people care about not about you. It's always about what can I do to serve my audience today? This is why we have this podcast guys. I think podcast we don't have a lot of our business we get a lot of our business from the show because we add value so how do you add value what today's topicswe started doing? We just funded posts that's the best way we can can join the fray.You guys should be like just funded.Yeah, I was able to do the minimum expected requirement out of my job congratulations me.Yeah. I got someone a loan they probably shouldn't be having right now.That was like 15 years ago.Yeah, the good old Nina's. Anyways, let's get back into this. So what do we know? Let's go into like what you guys see how because that's super interesting. And you guys are both especially in your two markets like you guys have ibuyer Haven so inventory is extremely low. You got every open door from now no longer Zillow, but all of the institutional buyers are all over Scottsdale. There's a huge problem with that they're buying everything investors can't even find properties to buy in Scottsdale anymore. They're having trouble they're fighting each other for the scraps but the same things in DFW so we have a lot of things happening you have a lot of institutional buyers are buying and cash out. Kicking the VA guy who deserves his house to the curb, to be honest. Right? What do you guys think? What is your prediction? For like these first time buyers like what are you people that are out there going to go out there and compete? What are you seeing happen are you see, are they losing deals yet? You mentioned you alluded to a little bit earlier, but have you seen people losing deals? Are they staying in the market? Are they getting frustrated? What's the pulse you're getting from your realtor partners and all of that?Yeah, can Brian you get if I jump in on this one? Yeah. All right. So yeah, so like that's what's what 100% was happening and I'm sure Brian's got plenty of experience because I know the Arizona market is red hot. And they've got some of the most depreciation the entire country going on right now. So Yeah, buyers are losing deals first time homebuyers. And if they don't have cash laying around to be able to go over to guarantee appraisal gaps there, they've got a bit of a problem. So you know, I know here in DFW, you know, my team and I, we've been looking for ways to help buyers set themselves apart by being able to take finance buyers and turn them into cash buyers. I know, Mike, you've talked about that before, some programs. And so we've got some some companies that allow us to turn finance buyers into cash buyers, but outside of stuff like that, it's tough for first time homebuyers, for people who maybe, you know, they've got enough cash to cover downpayment and cash to close, but not a whole lot more than that. It's a really, really tough market. And so they're, you know, their options are, sit this one out, which could be 3456 years, and then that $350,000 home is now $500,000.05 years from now or more, you know, or they they've, you know, figure out a unique out of the box scenario to try and get into a home right now. And if they can do it, there's tons of benefit, because one, they're going to get the appreciation that's going to come over the next several years, which is going to be phenomenal. But on top of that, as Brian alluded to, we've got a ton of indicators that say that we're going to be in a recession in the not too distant future. And with you know, normally, you know, he's talking about the yield curve inversion. Normally, when that happens when that yield curve inverts, we're in a recession within 18 months. But honestly, with information moving as fast as it does nowadays, we can see that significantly faster than that. So everyone who's buying right now is going to get the appreciation, but then they're likely going to be in a position where they get to benefit from a refinance sometime over the next maybe six to 24 months.So let me rewind that just for people really quick, just so we get the terminology, right. So basically, today's higher rates, the fact that we this is what I'm gathering, this is a really interesting comparison for all you realtors, when buyers ask you this, because you have to Homer Simpson, this stuff down, we're giving you like really high level stuff, you have to make a dumb simple so that anyone can understand including my six year old son. So what we're saying is that yes, today, here's what's going to happen, folks, there's going to be a recession, all indicators are showing there's gonna be a recession that's happened is going to happen. And you might be wondering what that means for your upcoming house purchase? Well, here's the way that we're looking at it. Yes, today's rates are probably going to be around a 5%. But the day that recession does occur and or happen, rates are gonna dip again. And that's where you need to refi low into your low interest rate, while property values still continue to appreciate.Yeah, I mean, we do with people like that, as you know, we'll show them, what is it going to actually cost you in real dollars by waiting, you know, six months, 12 months, whatever to try to time for, you know, the bubble to burst, which you hear about a lot, you know, is there a real estate bubble? And the simple answer is no. But, you know, some people think, well, maybe we'll just wait till rates come down. That's the next thing that we started to hear. Well, we can actually quantify. And I know, Shawn, does this too, how much are you actually losing in equity growth and pay down on your mortgage by waiting six months, 12 months for the interest rate to come down. And it's almost like, the best analogy, I think, for a real estate agent is, you know, you look at a house flipper, you know, they go in to purchase a house, and they're using financing that might be you know, eight 910 12% interest rate, you know, with points just to get that deal. And they're going to try to flip that as quick as possible to turn that into a profit, they look at that higher cost of acquisition as the cost of doing business. And that's how you know, a person purchasing a home, whether it's for an investment or for their own personal use, yeah, you might have a little higher cost of acquisition today, because the rates are higher than what you think they should be or what they were six months ago, but there's going to be an opportunity for those rates to come back down, just look at that short term, whether it's six months or 18 months that you pay a little higher interest rate to get that house that's going to appreciate by you know, 10% 12%, whatever it's going to do in the next year. It's just the cost of doing business. And the sooner you get in the better opportunity, you have to capitalize on that equity growth.He's spot on,I go piece of content creation. Number two, why it's a good idea to buy a house when there's about to be a recession. I'm sorry, I'm going to read that. Alright, Sean, go for it.Well, I'll just kind of piggyback on what Brian said is absolutely, you know, one of the you know, when I have conversations with clients, you know, I remind them I obviously don't have a crystal ball can't guarantee we're gonna be in a recession even though a lot of indicators are pointing that direction, but I encourage them to think of you all Brian's gotgot to get one man it's super happy. He's got to first ofall, if you're listening to this just on an audio Brian just whipped out literally a Christmas ball and all I saw were a bunch of interest rates floating around there, and a bunch of numbers and all this shit and just I just I just saw opportunity.You want to know what elseOh, and he's got the magic eight ball. That thing never fail. thing does work right.But I like to remind clients I encourage them to think The current acquisition costs the rates as a temporary cost, you know, that way, hey, this is a temporary cost that you're likely to have for the next 612 1824 months. And then you get to turn around and reduce your cost. And for that reason, I think when when, when available, I encourage people to, to minimize out of pocket costs, save that out of pocket costs and put it into the refinance down the road, if you if you can take a slightly higher interest rate, even then where interest rates are now if you can take a slightly higher interest rate, and save, save money at closing and reallocate that money to refinance on the road, you're gonna end up coming out even further ahead. In a lot of cases.I think it's smart. Here's how when you guys are trying to explain this to home buyers or sellers, you have to do it in the form of a story. It's just too complicated. Not too. It's an excellent way to position it like look, here's how here's how real estate investors approach, but purchasing properties. And this is the way that I look at it and approaching it from a real estate like you have an acquisition cost. Like that's the way you sell this guy's 100%. Because I understood that in honestly, you guys both taught me some you guys taught me a lot today already. I never really thought about how to pitch it that way. And I've never really thought about, hey, yeah, this is explaining a purchaser just like they're being a real estate investor right now. That's so smart. It's such a smart way to position this. Because there's fear, there's going to be fear when there's uncertainty. And our jobs as professionals, folks, for all of you salespeople chasing checks, this is the time when the market cleans you out. I'm not joking, I've seen three shifts, I've seen three cycles, two and a half in my career, I think this is the third, I saw the new construction boom, prior to 2007. I saw the short sale foreclosure crisis, from oh seven to 12. And then we saw the rebound right here in the real estate market. If you study it repeats itself in 10 year cycles in 2012. As we start climbing out of that crap, we're at 2022, right there at a 10 year cycle. So everything these guys are saying is right on, where do you see in recession, correction, all that other stuff. What's interesting is that we've never had all these outside circumstances happen with it. And we're going to need to sharpen our skill set regardless. Like, if I'm you guys, and I'm sure you guys are prior to doing this, because you're killers, but what you just said about explaining options to all of your the clients, if you started doing after realtors and laying this out for them, you're gonna have the meeting out of your hand. But it's gonna take an extra step to create those three options and give them a full plan. We have a client, as you guys know, his name is Mac Humphrey. And this is what he's doing in his office because we're creating some of his videos for his new offering. And I could see why now Mac is doing this. I'm sure I'm going to see him in Vegas this week. And I'm asking him if this stuff that we talked about today is the reason why he's doing this. And what Max doing is max sane. Anytime you do a mortgage app, you have to come in to my office. And he set his office up into four different workstations. And workstation number we get some he's got a beer, he's got one, he's got food, he's got sandwiches, he's got water, tea, you name it, he has them come in their office, and they once they get them settled down, they go in they he treats them and you know, the receptionist welcomes there. And then they spend 10 minutes in there filling out their forms in a questionnaire but then they go into the planning room. When they go into the planning room. This is where Mac literally goes, Okay, let's talk about all your options, how much money you got done with the credit? Like what are the goals, how long you'd be on this property for what do you want to hear what you wanna do there. And he spends about 2030 minutes getting all the information from them, his team will go back into the other room and crunch the numbers and the programs and then he they move the client into the opportunity room, the opportunity room, there's tons of plasmas, there's a freakin pool table in there and everything. But each plasma television has a different loan option for them based upon all of this stuff we're talking about today. Here's your 3% down, here's your 5% down, here's your bridge loan option. If you want to try to be a cash buyer, here's your 20% down with no PMI. Mack is going to do two things. One he's going to sell through experience because that's all we are. We're service providers, we're commodities, the one who provides the best experience is one who always wins just like the Ritz Carlton charges the same price as they do for a night and a holiday and also charge the prices for a night. They're both in business but they're both in business to provide a certain type of experience. We are do the same thing in our business and what I think is gonna happen. I think we're gonna have another cleanup of the real estate industry and rightfully so we need it. But the ones who will excel are the ones who take customer service to the next level for stuff like this. Anyone can show a house. That's not but not everyone can help someone accomplish and achieve to obtain one. And this education for the next 12 months about knowing what this stuff is going to happen. Mark my words the people who really mark this down, they're gonna you're gonna see them excel. And if you guys have anything like that and you start selling options for all of your realtor partners, I would be giving you every loan I had, because most agents aren't going to be smart enough. have the skills to crunch numbers. Now you guys are dumb, we're, this is our business, we show houses, okay, we don't crunch numbers, that's these guys's job, find a lender that's going to do this and start selling options, especially when you're working with your buyers, because the one that has them is the one who's going to win. And you're also, you're going to see commission compression too. You're gonna see, let's see, that's already happened. But I guarantee it and all the stuff that's happening with NAR, when they try to get buyers to pay their agents commissions, this is gonna be a whole nother ballgame. We don't know what's gonna happen with that. But you guys have to know about this stuff. Because there's always a way to compete, you just have to have the best food on the block the best food is the best service and experience. Go ahead read.I was just gonna say that. I think no, Shawn does this. And there's a lot of lenders out there to do this. But being able to look at your your potential clients situation and help them think outside of what their little perspective is because they come in, they want to buy a house. Okay, they got the blinders on this one, how do I get that house? And what we try to do step back and look at this from a longer term perspective, whether it's, you know, five years, what have you. And what we want to do is start with that education process and figure out what is the plans? What is the long term plan? And then what are loan options that help you achieve that. So one of the things that we do is, will always show those lower down payment options. You know, I know most agents that I talked to on the listing side, they want to see 20%, down 30 40% Down, they think it's a stronger offer, you know, but there's ways to present an offer, where you're showing the client, well, you know, that five or 10% down financially is better, because you can reserve reserve that money back that you're putting down to avoid paying, you know, 5% interest today. But you can use that money to go do something else and make more money. And even if it is to look at the prospect of a year or two, three years down the road, buying an investment property, well, having a lender partner on the realtor side of it, where that lender is thinking long term and setting that client up for the expectation. There's future opportunities with real estate, if the market is going to go up at 10% 20%, or whatever for the next couple of years. Well now what we're doing right now, the craziest thing is about 80% of my current pipeline is refinances. I normally do about 65 to 70% purchases, it's crazy, because what we're doing is we're going back and revisiting with these clients who a year or two ago bought, now they've got a ton of appreciation. Now they're accessing that equity, and looking at either improving their property, consolidating debt, so now they can afford to purchase another property, buy an investment property. So those are all opportunities. If you're thinking big picture and long term as a real estate professional and a lending professional, you've got to get people thinking outside of what their immediate desire is and start planning for the future. And, you know, I know realtor's they want to go in and make a cash offer with all these people, they're buying cash. Well, great, that offer looks outstanding. But could you do something else with all that cash, like buy two properties, buy three properties by leveraging the bank's money. And even if it isn't a little higher rate today, you're going to be able to get a lower rate in a couple of years. But you can gain the appreciation of those two or three properties as opposed to the appreciation on one, he's got to think outside the box.Has there been a lender yet that's created a finance a finance certification course for real estate agents? And if so, why not?It's a question. But like, why,why not? Why aren't you creating a certification course for real estate agents to teach us this stuff? So we could go out and have the ammo? Have all the forums and the docs and all of that? Like, because I will. I'll be honest, I don't want to learn this shit. And most real estate agents don't I just want my team to know it. But I need to know enough to be deadly to have the conversations and then refer them out over to you guys. You know, I mean, man, that's a goldmine.Finding the right partner?I'm like, no, no, and Brian, just finding the right partner is really important. And he's, you know, he's spot on with the approach, you know, and my team and I were the same way. No, we, you know, we don't really sell mortgages, we sell peace of mind. That peace of mind usually comes with a mortgage. But we talk about client's financial financial goals. Every single client I speak to I asked them, you know, what, other than this home purchase, what other goals? What other financial goals do you have on the horizon that we need to make sure that we're keeping in mind as we work towards a solution for you on this? You know, I declined today. So I mean, that he he's self employed, and he really hasn't done a great job of setting aside, you know, a retirement account. So we talked, so we talked about how we can help them into a home, try and keep, you know, not spend all of his money on down payment, so that way he can take some of that and really start to fund his retirement, which gives him peace of mind. And so peace of mind is, in my mind, one of the most important things that we can give our clients today and that peace of mind for us comes with a mortgage.Yep. I like it. I agree. Okay, a couple more questions. We'll get this wrapped up. lost my train of thought. But I know I was asking you something along the lines ofwe're talking about financial literacy for financial course certification course for realtors. Yeah,that's a good that's a given. Like, if you own a mortgage company right now and you're not that's not on your agenda. I don't know what's wrong, you call me. I'd love to help you put that together, because that's a fucking goldmine. I do think that people, I liked the approach you guys are taking? I think it's smart. What do you think that the average agent though? What do you think they need other than they need to know this stuff? I mean, this is I think that everyone's going to have these conversations, like you're going to be sitting with a new buyer console. And you're gonna be sitting at lunch or in your office wherever they go. And they're going to ask you this stuff, guys. Once you start seeing the media start talking about the word recession, trust me, people are gonna get worried and scared. Because you guys the way you You made me the way you explain it, you made me feel good about a recession. Seriously, that's what you just accomplished. Right? And normally, that our word you hear any run the other fucking way. You don't ever like Oh, recession, I'm not buying a house. But the way you guys presented that, I think is a conversation that is going to be needs to be had with agents and their clients to some extent, and I think it's going to be a topic of conversation to come. And we'll see in six months if we're right or not, but I think this is the that that advisor, consultant expert, the authority, a lot of that, and the only way you ever become that guy is by creating the content to have that conversation to begin with.Well, Mike, every recessionary period since 1980, with the exception of 2008, you know, and and although yes, that was a recession, I don't look at as a recession, that was a crash, right. That was a full blown crash. Every other recessionary period since 1980. Home prices have done one of two things, they've either continued to appreciate, or they've started to plateau. But when that recessionary period was over, in all of those instances, including 2008, home prices, appreciated after the recession was over. So good. So home, it's home ownership, it like I don't wanna say there's, there's never a bad time. But it's, it's historically proven that buying a home is almost exclusively a great way to build wealth. And so, you know, recession yeah, there's a lot of bad things that go with a recession. I'm not going to try and fool anybody, you know, employment, you know, unemployment ticks up, you know, but if buyinga house isn't one of them, that's what we fucking put our hands. That's what we that's what we fall on the sword for dude. You know, I mean, if you if you can't, here's the things like, I see this all the time. I have no problem selling people my video services because I know exactly what they do for people. I know my value. I know every single person that does what we tell them to do doubles quadruples their business, if they follow the damn plan, okay, it's not. It's not rocket science. But there are so many people, it's because I'm confident in my service. There's so many people who sell their service and don't believe in it. There's a major difference in that I see it every day in the real estate industry. I saw a guy make a post the other day on Facebook. This is what the guy says, I'm not going to call him out. But he posts on Facebook, I'm sort of seeking this market. I can't wait for a short sale or foreclosure market. Bro, that's when people get a lot of pain. Your real estate agent saying this excuse me, mind you. Like who says that? That just tells you right off the bat, that you don't have the confidence to sell your own product. So what you're really doing is you're poisoning people. If you're in a restaurant and your food tastes like shit, and you continue to feed people that damn food, you're a prick. Well, that's a difference in the real estate business. You have you you guys have to know this shit. Like there's no questions asked anymore.Yeah, like getting yourself as a real estate professional is is critical right now. Because there's there's two words that you're starting to hear all the time. Number one, everyone's hearing inflation. I just saw a little news thing I was walking through the room, my wife had the news on which I hate watching. And then we're talking about recession. So those are the two scary words that are coming out to you inflation and recession. And so as a real estate agent, you've got to be able to educate your clients on what does that actually mean for you if you're contemplating getting into a new house or buying real estate as an investment? Those are not bad words for the real estate market. And people have to understand and differentiate. Yeah, can it mean job layoffs, there's there's pain that comes with it. But if you've got a good solid job and a good source of income, real estate is a hard asset. hard assets do well, in inflationary periods, and recession. Like Sean said, real estate tends to do well interest rates come down during a recession. So those are all good positive things to be able to look at when you hear the scary words because you're gonna hear it on the news that's how the news gets clicks and they get viewers to scare the shit out of everybody. That's what they're good at. But I hate to combat that.I hate to do is if you're listening to those turn it off. None of it's right or accurate. Dig a little deeper.Brian spot on and I'll add one more thing on that. So You know, as far as you know, real estate professionals educating themselves, you know, if you're a real estate agent, and you're having conversation with a client, and they bring up these topics, if your only responses, that's a great question. Let me get you with my lender. If they're not ready to have that conversation with a lender let yet you probably just lost that business. Yeah, right. So you've got to be able to at least have some semblance of a conversation initially, before you get to the point where you're like, hey, you know what, my lender can really elaborate on that topic? And let me let me connect you with you know, let me connect you with Brian, let me connect you with Sean. And they can really elaborate on it. But if you can't have at least that initial conversation and have some level of education on it, you're you're you're in trouble in this market, this market weeds out the people who are not, are not experts at what they do.100% Last question. Well, you answered the interest rate question. So bottom line and your guys's experience, you think that yes, rates are going to going up. But as your indicators are showing a recession is going to come in that you're going to see the rates go back down at that time. Overall, you're gonna see a lot of buyers who buy from now until then, to refinance back into the low rate when that hits, and you guys have enough experience to feel confident about that call, right? So this is the this is all forecasting, guys. Here's the biggest thing I got on today's show. And here's the conversation. I think that if you're listening to this, you don't need to do a super duper edited video, you don't need to go out do anything crazy. You can do a video email to your Bom Bom and you guys included in the subject line is inflation and a recessions upcoming. But this is why it's the upcoming inflation and recessionary period is the reason why you should buy a house today, something along the lines like that, there's something there that's going to generate a lot of the clicks.Is myself recession proof by yet.There's so many different headlines there. And it's something to get there because no one's talking about it. That's why we're doing this podcast. I'm going to create a piece of content here and test it on ads about what Brian had on approaching it as an investor is buying a house right now a good idea. It's inflation coming, should you really be buying a house right now? Fuck yeah, you should, here's why. That's probably my attention getter. Something likethat. Even your investor clients do, you know, I was talking to another one, she's got five properties. And you know, she's she's pretty sharp, she came to me and she says, No, I'm thinking about refinancing, pulling some cash out my investment properties to go buy another property, I know my rates are going to be higher, but I just look at it as you know what you need to do to be able to get to the next property, because the appreciation that I'll get on this next property is more than going to cover the increase in interest that I'm paying on these other loans. And I said, you know, you've done half my job, I don't have to educate you on it, you You've done a great job with it. But here's the other thing to look at too, is if you can, no, some, some people are worried about negative cash flows on their investment properties, okay, because rents are going up, but they're not going up as fast as the increase in the home prices. And now interest rates going up. Again, I just look back and say, you know, it's a temporary situation and look at it that way. Because while you may have to carry, you know, a couple $100 negative cash flow, if you can handle it, that doesn't necessarily mean it's going to always be that way, because you're gonna have to things are likely to change down the road, you're going to have rents continuing to increase because of the shortage of housing supply and the housing crisis that we're in. So while you may be negative today, a year from now, two years from now, you're probably not going to be negative. Plus when rates come down as we expect him to you can refinance into a lower rate and improve that cash flow situation. So again, short term costs for long term gain, you might have to absorb a few $1,000 over a year to in negative cash flow, but you're gonna write it off anyway. And then you're going to have that appreciation grow. So like whether it's buying somebody buying their their primary residence or investors, like you shouldn't have them putting these roadblocks up because of, of inflation of recession, or negative cash flow. Those are all things that are easily combated and overcome if you know how to explain and plan for what's down the road. And that's where that thinking outside the box is thinking past today is super important. Like you don't always look at today's situation as the permanent situation. You got to think down the road100% Brian,awesome show you guys you guys taught me a lot and you gave me quite a bit of marketing opportunities to come that's what they are their marketing opportunities. And the more controversial you are with them, the better they're going to do you guys, like address the elephant in the room always. And don't hold back, like the whole point of starting a conversation and generating attention and you have a great opportunity to do so right now. Why don't you guys if you guys need someone if your lender doesn't know any of the stuff that we just talked about, call these guys up. Obviously, there's a reason why we had him on the show. So if you need a lender that actually will educate yourself for you so you don't have to go through your own financial literacy class once you guys give them your info and how they could contact you.Yeah, go ahead, Brian. Start us off.Yeah. Brian Cardenas. My website is www dot the Cardenas team.com our phone numbers 480314684. Or you can shoot us an email Cardenas team at finance america.com.Yes, and I am Sean Richard with with guaranteed rate here in Dallas Fort Worth metroplex. My website is Shawn Richard team.com My first name is spelled SHA w n. So Shawn, but your team comm can also reach me via phone at 817-380-8148 and can always drop me an email at Sean Richard team@rate.comAppreciate you guys awesome show and thank you folks for listening to this episode the real estate market dude podcast if you want to build your personal brand with video and start creating consistent content so that when anyone thinks that the term real estate or mortgage instantly associate your name with it, you don't need a bunch of leads you need more dudes let us create the content for you. All I need is one to four hours a month and I'll turn you into a local celebrity that I promise if you follow the process it works and if you don't believe me watch the case study where I have both a mortgage broker and a real estate agent write on my website both generate a 931% ROI plus return using video in just under six months the whole case that is there I highly encourage you guys to download it get it read it and then contact me and start getting on video because attention is the name of the game lead generation is not appreciate you guys have a good day and appreciate listen to episode we'll be back next week peace. Thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing do.com We make branding and video content creation simple and do everything for you. So if you have any additional questions, visit the site, download the training, and then schedule a time to speak with the dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.
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